Garrick Werdmuller's Blog

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Mortgage and Lending - Guaranteed Rate, Inc - NMLS# 242952

ARCHIVED BLOG POSTS

2009 

Here is Part 1 and Part 2 of this series. I hope you find them as informative to watch as I did to make! All in All we interview a Real Estate Attorney, a Transaction Processor, @ Agents, 2 Tax Preparers, and a Mortgage Broker. You can access more of my videos at www.the-buzzz.com Have a Prospero...
12/21/2009
Happy Holidays Rain Makers!!! Jonas Kruckeberg, a co worker of mine put this together. I love it and am glad to be a part of it.
12/21/2009
I have been with First Priority Financial since February of 2007, when I experienced the credit crisis.  It hit me a little earlier when overnight my primary lender shut down and I had gone from have 5 in the pipe to zero overnight.  My brokerage I was with was never going to make it and I knew ...
12/16/2009
High LTV loans have pretty much gone by the wayside unless we are speaking of government lending programs since the big SubPrime/Alt A crash of August 2007. Declining markets and a lack of funding sources have definitely helped slow down the lending markets.   As of October 30thFirst Priority Fin...
12/10/2009
Thanks!
12/10/2009
As of December 12th 2009 Fannie Mae drops its back end qualifying ratio to 45%.  What does this mean?  Well, a "back end ratio" is the total of all credit card, home and auto loan, student loan, and perhaps any collections divided by your gross income.  Currently I have funded a file in 2009 with...
12/08/2009
After attending a recent marketing event discussing 2.0 and blogging I definitely came away with a lot of insight and even better, confidence with my marketing plan over the past two years. You see, I am an independent mortgage consultant in a small town that has basically two other independents....
12/06/2009
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